Latest Work
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Report and Fact Sheets: How Rising Utility Costs Are Fueling Debt and Overwhelming American Families
The Century Foundation (TCF) and Protect Borrowers reveal that rising energy and utility costs are pushing families deeper and deeper into debt, fueled by poorly regulated utility monopolies, the explosion of AI data centers, and President Trump’s policies that have jacked up Americans’ utility bills.
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Fact Sheet: Austin Borrowers and Families Experiencing Economic Hardship Due to Impending Student Loan Default Crisis and Systemic Chaos Across Demographics
The fact sheet includes data showing how borrowers in the Austin metropolitan area of Texas are experiencing economic hardship on the precipice of the impending student loan default crisis, and that women, older borrowers, and borrowers in majority-Latino neighborhoods are disproportionately burdened by student debt.
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Testimony of Jennifer Zhang at the People’s Oversight Hearing Held by Public Knowledge
See here to read Jennifer Zhang’s November 12, 2025 testimony.
More
Latest Work
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Report and Fact Sheets: How Rising Utility Costs Are Fueling Debt and Overwhelming American Families
The Century Foundation (TCF) and Protect Borrowers reveal that rising energy and utility costs are pushing families deeper and deeper into debt, fueled by poorly regulated utility monopolies, the explosion of AI data centers, and President Trump’s policies that have jacked up Americans’ utility bills.
More
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Fact Sheet: Austin Borrowers and Families Experiencing Economic Hardship Due to Impending Student Loan Default Crisis and Systemic Chaos Across Demographics
The fact sheet includes data showing how borrowers in the Austin metropolitan area of Texas are experiencing economic hardship on the precipice of the impending student loan default crisis, and that women, older borrowers, and borrowers in majority-Latino neighborhoods are disproportionately burdened by student debt.
More
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Testimony of Jennifer Zhang at the People’s Oversight Hearing Held by Public Knowledge
See here to read Jennifer Zhang’s November 12, 2025 testimony.
More
Latest Work
-
Report and Fact Sheets: How Rising Utility Costs Are Fueling Debt and Overwhelming American Families
The Century Foundation (TCF) and Protect Borrowers reveal that rising energy and utility costs are pushing families deeper and deeper into debt, fueled by poorly regulated utility monopolies, the explosion of AI data centers, and President Trump’s policies that have jacked up Americans’ utility bills.
More
-
Fact Sheet: Austin Borrowers and Families Experiencing Economic Hardship Due to Impending Student Loan Default Crisis and Systemic Chaos Across Demographics
The fact sheet includes data showing how borrowers in the Austin metropolitan area of Texas are experiencing economic hardship on the precipice of the impending student loan default crisis, and that women, older borrowers, and borrowers in majority-Latino neighborhoods are disproportionately burdened by student debt.
More
-
Testimony of Jennifer Zhang at the People’s Oversight Hearing Held by Public Knowledge
See here to read Jennifer Zhang’s November 12, 2025 testimony.
More
Latest Work
-
Report and Fact Sheets: How Rising Utility Costs Are Fueling Debt and Overwhelming American Families
The Century Foundation (TCF) and Protect Borrowers reveal that rising energy and utility costs are pushing families deeper and deeper into debt, fueled by poorly regulated utility monopolies, the explosion of AI data centers, and President Trump’s policies that have jacked up Americans’ utility bills.
More
-
Fact Sheet: Austin Borrowers and Families Experiencing Economic Hardship Due to Impending Student Loan Default Crisis and Systemic Chaos Across Demographics
The fact sheet includes data showing how borrowers in the Austin metropolitan area of Texas are experiencing economic hardship on the precipice of the impending student loan default crisis, and that women, older borrowers, and borrowers in majority-Latino neighborhoods are disproportionately burdened by student debt.
More
-
Testimony of Jennifer Zhang at the People’s Oversight Hearing Held by Public Knowledge
See here to read Jennifer Zhang’s November 12, 2025 testimony.
More
Latest Work
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MO Borrowers, MO Problems: How One MAGA Attorney General Tried to Break the Student Loan System and Drive His Own Constituents Deeper Into Debt
Student Borrower Protection Center and the Debt Collective analyze complaints submitted by student loan borrowers to Missouri Attorney General Andrew Bailey’s office about MOHELA.
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MOHELA Website Waiver Letters to Federal Regulators
View our series of letters from SBPC and AFT to federal regulators referring MOHELA for prosecution.
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Project 2025 PSLF State-by-State Map
This state-by-state map sheds light on the estimated financial toll of Project 2025’s proposal to eliminate PSLF and how it will saddle approximately 3.6 million public service workers with more than $250 billion in additional student loan debt.
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Testimony of Aissa Canchola Bañez Before the U.S. Senate Banking Committee
See here to read Aissa Canchola Bañez’s September 17, 2024, testimony.
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Total Private Student Loan Balance by State
Explore our map indicating the total private student loan balance by state.
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Deep Dive Series on TRAPs
Protect Borrowers Deep Dives are in-depth examinations of relevant topics featuring analysis of existing literature, policy stances and recommendations, and other findings.
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Deep Dive: When Employers Turn Employees into Consumers, State and Local Regulators Can Turn to Consumer Protection Law
This SBPC Deep Dive explains how state and local law enforcement and consumer regulators can prohibit TRAPs and other stay-or-pay contracts under existing consumer protection laws.
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Deep Dive: State Law Provides an Untapped Route to Combat TRAPs and Other Coercive Contracts
The following SBPC Deep Dive explains how state antitrust officials can prohibit TRAPs and other stay-or-pay contracts under existing unfair methods of competition laws. Eleven states have laws that provide them with the ability to categorically prohibit non-competes and similar contracts instead of challenging their legality on a case-by-case basis.
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Fact Sheet: MOHELA Lawsuit
Embattled student loan servicing giant MOHELA hit with groundbreaking consumer protection lawsuit for failing 8 million student borrowers.
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Deep Dive: How Labor Protections Allow Cities and States to Combat Worker Traps
The work highlighted in this Deep Dive sheds light on the ways that our higher education financing system is detrimental to Black women’s overall well-being and ability to build wealth.
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